Credit reports are being used against people for things where it shouldn't matter, like applying for jobs and stuff.

Really?

worry worry worry

But listen to Plei, Aimée, and find out what resources can help you with this.

Oh, Aimee, that's awful and horrible and wrong. I've been blindsided by debt (though I could understand why I didn't know about ours, I don't get why no one bothered to, oh I don't know, send you a bill) and it's just full of badness.

Plei is wise.

Really?

My company does, but I've never heard of them not hiring someone a job just because of a bad credit rating, but they do look at it.

I'm pretty sure that banks have not given me jobs because of my credit rating. The justification is that someone with a bad credit rating is more of a theft risk.

Jilli, I wouldn't worry about it. You don't have bad credit, just a lack of anything much at all.

Well, I just paid the $20 and the woman I spoke to said if I sent a letter, they might remove the negative credit item.

Jeebus.

My SiL advocates calling the creditor and telling them you'll only pay if they remove the black mark. That might work with the $1600 if you can work out some sort of installment plan. Maybe.

And I just remembered the time my sister was getting calls from collection agencies over $1.85. $20 almost as silly. Though they apparently saved on collection costs by not mailing a bill.

I shake my head sorrowfully at them.

When we moved to Brazil, I forgot about two bills - one for $37 and one for $19. I didn't find out about them until we were turned down for a loan. I think it's mostly resolved now, but it was so frustrating to be turned down for something so small.

Aimee, I don't want to get all in your business but it seems that you might have some recourse if there was a judgment against you and you never had notice. I know it's probably easier to just leave it, but it might be worth the battle, especially because it's so much.

When I went to see that really stressful lactation consultant, she tried to get me to use the SNS for Ellie. That was the "your baby will starve if you don't use this" part of the consultation.

(can I just say how glad I am to hear about another baby sleeping with her parents? I'm not sure why I'm so self-conscious about this but I'm glad to know other parents I like are doing it.)

That sucks Aimee.

I'm in my typical money rant myself. I'm waiting on as assload of checks and am still without them. I'm so fucking sick and tired of places that won't mail checks in a timely manner. It's not like I don't make a good income most of the time, it's just not fucking possible to budget (Or as least I fucking blow at it) for month long lapses between checks. My money is on a pile of checks arriving tomorrow about 1 PM, so that the banks will already be closed and I'll be hosed until Tuesday, and then I'm quite sure my bank will put a couple of days hold on the checks just because they can. One of the checks I'm waiting on is quite large and I'm sure that if I get it tomorrow I won't see more than $100 of it for at least a week.

I'm so fucking tired of this.